Which SUNY is she attending? Is she a chem major? If she’s already completed her gen eds ask if she can add a minor or another major. If not, see how many 4 credit courses she has left. If she can put 3 into a single semester it will cut the semesters you have to pay tuition down to 3. If they’re all 3 credit courses, she’d need to take 4 at once.
Why do you have to repay the scholarship for the first 2 years? If she met the requirements it doesn’t make sense that they’d convert the grant to a loan. The [HESC website](NYS Higher Education Services Corporation - STEM FAQs) says:
If she met the eligibility requirements for those 2 years, it sounds like she was entitled to the grant. @Sybbie719 might have some insight on how it works.